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this is me
hi wanting, well needing, to shave some money off my outgoings to convert into money to pay off some debts beofre they start mounting up. i have been in this position before, thinsg got our of hand and we extended our mortgage to cover the debt. dont want to do that again. debts at mo arent horrendous but accounts are…
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What can bailiffs legally do?
Hi, I hope this is in the correct forum. Please advice if not. I'm confused today. Here's my story. I have over £8000 debt through 4 credit cards. One that is causing me a problem more than the others at the moment is a HSBC current account debt (£3,350). I'm unemployed and don't receive social benefit. I'm currently…
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Ive won a free holiday apparently or have i ??
Good evening everyone, Most bizzare thing happened today, my OH received a phone call from a company that he cannot remember the name of now as he was at work when he took the call... its to do with a draw we entered into via quidco over a month ago for a cruise holiday. they said there is good and bad news, we didnt win…
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Paid off 1st CC!!!
I paid off the first CC since seriously becoming a DFW - only about 5 weeks ago.:j Ok it was one of the samll ones but with a high interest and it felt great:j :j OH asked me yeaterday if i ever pay full price for anything any more! I can't believe how much we have cut down/saved this month and all with the help of this…
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How much have/will you spend today Friday 22/9?
Good morning lovely DFWs :hello: Gosh it's miserable down here today! This September is the oddest ever. Still, I feel positive and sooooooooooo glad the weekend is finally here. It's been an expensive morning with one thing or another. Cards and donations to 3 colleagues that are leaving :eek: (lucky sods :rotfl: ) left…
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Bad Stuff, Good stuff
Just thought I'd do a little update on how things are in the Triker household. Bad Stuff, sigh, overdrawn again, found out today that a cheque to pay for a school trip has only just drawn and put me right over, bum.Due to my reckless attitude by not properly checking my account I had thought it had already gone out. Have…
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how long does it take for credit rating to improve?
I have tried to open a new joint acc for me and my OH, but due to his bad credit rating we were refused by Halifax (incidently who we already have a mortgage with) and I was wondering how long it takes (now he is on top of his payments and hasnt missed any for a long time) for his credit rating to get better. thanks Lou x
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Anyway... its friday
what you drinking? large glass of vino for me - medicinal to make me feel better about naughty breaking down car!
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Quick question or two about full & final settlements.
Hi Does anyone know what percentage you can offer a credit card as f&f settlement without them laughing in your face and also if you do make an offer and they reject it can they force you to pay more if you already have an agreement with them to pay them a certain amount each month?
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Letter to Creditors
Hey All. I am proposing a new repayment amount to all of my creditors, I am going to paste my draft letter below. Can you give it a once over and let me know what you think? Thanks :) -- Three matters concerning the above account 1. Circumstances Update &Repayment Proposal From the 25th of September 2006 I will be a…
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Barclaycard paid off!
I've done it! I've paid off one of my debts - the one with the biggest interest! Two more to go, interest frozen. I can't even begin to tell you how much better that feels!
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Congratulations Lynzpower! Under 5k.
As some of you know, the amazing Lynzpower has got her total down to below 5k today, and I thought that as a way of congratulating her, we could all take a couple of minutes to say how she's helped us personally, and a big collective THANK YOU. :T Lynz spends so much time on here helping out others, even when she's not…
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Reduced Settlement/Full and Final...
What's the difference? A friend has a few debts and since taking a second job, is in a position to clear them one by one if she saves second jobs wages for a couple of months. Now I know about reduced settlements but would that impact on credit score? What is F&F settlement?
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Received a Statutory Demand
Hi all, Please would anybody to help me with this. Today I received a hand delivered Statutory Demand (I wasn't in at the time). It was from Connaught Collections, on behalf of 1st Credit assigned by HSBC. This is literally the first communication I have received since around 1999 which is when the last payment was made.…
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Quick question
I know someone posted this yesterday but can I find the thread in question? Can you tell me the APR for monthy rate of 1.167% please
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Gym Membership-cooling off period?
I'm fuming, I joined the gym last week and was told I just missed the special offer by one day (no joining fee and £99 until end of Dec). So I asked if they would run the offer again and they said no, so I signed up and paid the joining fee £30 plus £35 for the first month. Went today and the offer is on again!!! I spoke…
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anyone heard of eversheds?
i was made bankrupt in jan,and have been contacted by official receiever regarding early discharge about 2 1/2 mths ago.as far as i was aware it was all going through etc.but i have had a couple of letters from a company called EVERSHEDS telling me they have bought a couple of my debts off the original creditors.why would…
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Heres my plan...
Thanks to someone else posting the snowball calculator again I've actually had a proper look and discovered if I can raise £300.00 per month for the next four months that blasted barclaycard will be history :D Now I'm already working towards the 18k challenge so have been working like mad to save money to make lumpsum…
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Snowball Calculator Thing
Where is it on this website, I can't find it!:confused: Sorry if posting this in wrong place!! Thanks x
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thought i was doing so well this month
I had £170 left as i have been so good this month, when car tax reminder comes through the door, and then car breaks down costing me £70 to get fixed. Grrrrrrrr Also a cheque I wrote for £100 hasnt been cashed yet - I sent it weeks ago and know it will go out just before pay day to push me over my overdraft. Grrrrrr I was…